Government-issued ID
Identity verification
AUTO EQUITY FUNDING OPTIONS · CALIFORNIA
Need funds, but still need your car?
If your vehicle is fully paid off and the clear title is in your name, start an initial review with a few basic vehicle details.
No SSN or document upload is required for the initial request.
A credit check is part of the review. You’ll receive the inquiry details before it occurs.
- A few minutes to start
- Typical initial review: 1–2 business days
- Keep driving during review
- Serving California
A credit check is required as part of the review process. Details about the inquiry—including who will obtain the report, whether it is a Hard or Soft Inquiry, and any potential effect on your credit score—will be provided before the credit check is conducted.
Initial review typically takes 1–2 business days after we receive the basic information needed for review.
Pre-qualification is not loan approval. Actual availability, amount, APR, and term depend on verification and participating-provider review, including vehicle value, income, creditworthiness, and provider requirements. APR 8%–28%; terms 12–60 months.
- Paid-off vehicle
- Clear title
- Vehicles under 120,000 miles generally fit standard review guidelines.
- Higher-mileage vehicles may still be submitted for individual review.
- California resident
WHEN AUTO EQUITY MAY BE WORTH EXPLORING
Reasons People Explore Auto Equity Funding
Explore funding options for an important planned need without selling the vehicle you rely on.
- A Major Planned Expense
- Home or Vehicle Repairs
- Planned Household Expenses
- Business or Self-Employment Needs
- Other Important Obligations
Examples are illustrative. Permitted uses, eligibility, and terms vary by participating provider.
A Good Starting Fit
Paid-off vehicle · Clear title · California resident · Higher mileage reviewed individually
Review starting-point details
- Vehicle fully paid off — no liens
- Clear title in your name
- Current registration and insurance
- California resident
- Vehicles under 120,000 miles generally fit standard review guidelines.
- Higher-mileage vehicles may still be submitted for individual review.
- The vehicle has an existing loan or lien
- Recent bank statements cannot be provided if requested for income verification
Final eligibility is determined during participating provider review.
Step 1 of 4
Vehicle Details
Start with the vehicle basics. VIN lookup is available if you want to use it.
This form does not collect SSN, bank account information, ID documents, or document uploads.
PROCESS
What happens after you submit
Your car stays yours.
You continue driving while your request is reviewed and while making payments as agreed. This is vehicle-secured financing; your vehicle serves as collateral and may be repossessed if you default.
- 01
Start online
Share basic contact and vehicle information.
- 02
Initial follow-up
We review the request and explain the next steps.
- 03
Document checklist
If your request proceeds, complete the requested checklist at your pace.
- 04
Participating provider review
The participating provider verifies documents, credit, and vehicle value, and determines eligibility and final terms.
Eligibility and final terms are determined during provider review.
A credit check is part of the review process. Inquiry details will be provided before it occurs.
- 05
Your decision
If terms are presented, review them on your own time. There is no obligation to accept an offer.
Initial review typically takes 1–2 business days after we receive the basic information needed for review. If additional information is needed, we may contact you by email before the initial review can continue. This timing does not guarantee approval, available terms, or funding.
HOW CLEARTITLE FITS IN
One Clear Starting Point
ClearTitle Auto Equity is a service of DR Capital. We organize your initial request and connect it with participating financing providers. ClearTitle does not lend money or make credit decisions. Final eligibility and terms are determined by the participating provider after verification and review.
Compare estimated monthly payments
Includes applicable financed charges.
APR reflects applicable finance charges. Financed charges are included in the total loan amount and may reduce net cash proceeds.
Estimated payment summary
- Estimated monthly payment
- $249.62
- Estimated total payments
- $5,990.89
- Estimated interest cost
- $990.89
- Estimated APR used
- 18.00%
- Estimated term used
- 24 months
This calculator is for illustrative purposes only. The estimated interest cost reflects interest calculated using the selected amount, APR, and term and does not include additional fees or charges. It does not determine eligibility, available funding, or the terms you may receive. Actual APR, finance charge, payment, term, and net proceeds may differ. Amounts may vary slightly due to rounding.
Comparison information
Rates and terms
- APR range
- APR 8%–28%
- Term options
- 12 / 24 / 36 / 48 / 60 months
This fixed example does not update when you adjust the calculator.
- Loan and term
- $5,000.00 / 18.00% APR / 24 months
- Estimated monthly payment
- $249.62
- Total payments
- $5,990.89
- Finance charge
- $990.89
- APR used
- 18.00%
- Term used
- 24 months
Actual terms may vary based on final review.
DOCUMENTS
Documents for the next step
If your request proceeds, you'll be asked for:
Vehicle title and registration
Ownership and title status
Proof of insurance
Current vehicle coverage
Income Verification
Recent bank statements only. Recent bank statements may be requested to verify income. Pay stubs, 1099 forms, and tax returns are not required for this review.
For your security, we may contact you by email to request additional information or documents. Do not reply to a regular email with your Social Security number, bank account or routing numbers, identification documents, vehicle title images, bank statements, or other financial documents. If sensitive documents are required, we will provide a secure upload link or another approved secure submission method.
COMMON QUESTIONS
FAQ
You keep possession and use of your vehicle throughout the review process. If a loan is finalized, the participating provider places a lien on the title, and you continue driving your vehicle. Final terms, including insurance requirements, are set out in the loan documents — review them before accepting.
Vehicles under 120,000 miles generally fit standard review guidelines. Higher-mileage vehicles may still be submitted for individual review.
The participating provider makes the final eligibility and credit decision and determines final terms. ClearTitle does not make final credit decisions.
Yes. A credit check is required as part of evaluating your request. A Hard Inquiry may affect your credit score, while a Soft Inquiry does not. Before any credit check is conducted, you will receive details about the inquiry type, the entity obtaining the report, and any required authorization. A credit check does not guarantee approval or specific terms.
Initial review typically takes 1–2 business days after we receive the basic information needed for review. If additional information is needed, we may contact you by email before the initial review can continue. This timing does not guarantee approval, available terms, or funding.
Missing or inconsistent vehicle, ownership, contact, or document information may delay follow-up or provider review.
We use submitted information to respond to your request and support the review process. See our Privacy page for information about service providers, data use, and California privacy requests.
No. Submitting the form starts a pre-qualification and contact request. It is not a loan approval, credit decision, or final loan offer.
CLEAR-TITLE VEHICLE REVIEW
Ready to Start Your Review?
Start with a few vehicle details. Contact details come later.